I enrolled mine with pet insurance earlier last year and I have had a great experience with it thus far.
I signed up with Trupanion pet insurance and they offer full coverage, they pay 90% of the vet bill, their premiums don't increase with the pets age, and they cover congenital and hereditary problems.
It has already paid for itself since he got really sick and needed surgery a few months ago and all his meds were paid for. I don't even want to think about what I would have done if I couldn't afford all that on my own. I got reimbursed within a few days for it all and it was stress free.
Trupanion covers all diagnostic tests, surgeries/procedures, and medications 90%, and also emergency vet visits and specialists. I have found that some other pet insurance companies are more restrictive on how much they pay if you go to specialists.
If you are shopping around, I would definitely recommend avoiding routine coverage (regular exams, vaccines, etc), because you are just paying the costs through higher premiums thus not saving any money, but in most cases, losing money.
I believe that pet insurance is definitely a good idea, even more so for puppies and kittens. You never know when they will get into an accident, or get sick all of a sudden. Definitely worth the peace of mind.
A really great site I found for unbiased reviews while reading up on pet insurance is (
www.petinsurancereview.com)
Source(s):
Pet Insurance by Trupanion - Dog and Cat Pet Health Insurance